Banking, Finance and Capital Markets
Pavel, Margarit and Associates Romanian Law Firm has over 15 years of experience and has been recognized on the market as a strong and respected firm that assists and advises both domestic and international major real estate and construction developers and key players from the energy and natural resources sector on mandates involving complex financing cross-border matters.
The law firm assists companies with financing matters, frequently acting alongside major international law firms in cross-border transactions, providing high standard expertise from project financing, acquisition, debt restructuring, refinancing, acquisition of distressed assets and NPL portfolios, equity transactions, intra-group financing, club loans, security packages including mortgages, warranties, due diligence, to structuring of the entire transaction. The firm assists Clients with negotiations, structuring and documenting all financing agreements, including structured finance, asset-based financing, corporate finance, real estate-secured loans, to name a few.
Our Services
- Acquisition Finance;
- Real Estate Finance;
- Transportation of excise goods
- Alternative Sources of Debt Funding;
- Commercial Lending;
- Drafting, revision and negotiation of contracts
- → Investment contract in Romania
- → Loan agreement in Romania
- → Movable mortgage agreement in Romania
- Financial lease contract for movable property
- Operational leasing contract for movable assets
- Immovable mortgage agreement in Romania
- Regulated Lending;
- Leasing;
- Regulatory;
- Contract Negotiation;
- Deal Structure
- Non-Performing Loan Restructuring (NPLs)
- Collateral Guarantees Negotiation;
- Sale and Leaseback Transactions;
- Prepayment Transactions;
- Debt Assignment
International Recognition
International Financial Law Review IFLR1000 2022

In the 2022 IFLR 1000 Edition, for Banking and Finance practice area, client testimonials describe Pavel, Margarit & Associates Romanian Law Firm as follows:
“I liked the progressive attitude and spirit, the team has a proactive approach to solving the client’s problems.”
“Knowledgeable, attention to detail, proactive, problem-solvers, excellent service.”
“We knew that we could rely on Mr. Radu Pavel and his team of specialised lawyers at any time, understanding the needs and challenges of the industry. ”
Source: IFLR 1000, 2022
International Financial Law Review IFLR1000 2020
Banking and Finance, Corporate and M&A

Highly regarded lawyer expertise in Real Estate, Restructuring and Insolvency and Banking and Finance practice areas
Selected credentials
- Assisted an AIM listed and multi-commodity resource exploration and development company, in a cross-border financing transaction spanning three jurisdictions (Romania, the U.K. and Switzerland) with Mercuria Energy Trading, one of the largest trading houses in the world. The firm assisted with all aspects pertaining to the transaction.
- Assisted an AIM-listed mining company with mines in Romania and Zimbabwe, the only operating investor in the mining industry in Romania in an intra-group financial project. Our legal services included advising the finance parties in the syndicate on all the Romanian law aspects regarding the financing of the construction, commissioning, development, operation and maintenance of several mines operated by the group of companies in Romania.
- Assisted an AIM-listed mining company with mines in Romania and Zimbabwe, the only active operating investor in the mining industry in Romania in a binding conditional Bond Issue Deed through an issuance of secured convertible bonds to a UK based private equity fund, spanning over 4 jurisdictions: U.K., Romania, U.S. and Switzerland.
Press Coverage
Top Legal Expertise in Banking, finance and capital markets
Pavel, Mărgărit and Associates has over 16 years of experience in the field and is recognized in the market as a strong and respectable law firm, assisting clients from various industries, providing the highest quality legal services in the areas of tax law in Romania, banking law in Romania, and capital markets in Romania. A tax lawyer in Romania from our tax law department can provide legal assistance and tax consultancy in Romania regarding issues related to tax administrative acts (including appealing tax administrative acts), with in-depth knowledge of tax legislation in Romania.
Regarding the area of banking law in Romania, we provide comprehensive assistance to our clients in complex banking law matters. From banking regulations and financing contracts in Romania to tax disputes in Romania, dispute resolution for tax disputes in Romania and banking disputes in Romania, a banking lawyer in Romania can offer effective strategies for any legal issue.
The practice area concerning capital markets in Romania represents a complex financial environment, which is why a lawyer in capital markets in Romania can assist you with specialized consultancy to achieve financial objectives, offering services such as: analysis of tax risks in Romania and financial risks, assistance in financial transactions in Romania, due diligence in Romania, representation in disputes involving violations of stock exchange regulations, and any other aspect within the capital markets practice area.
With a combination of technical expertise and practical experience, a tax attorney in Romania can assist and represent you if you are involved in banking disputes in Romania. Our team approaches each case with professionalism, offering both strategic advice and representation before the courts.
Our Financial-Banking Department works closely with the Litigation Department, assisting with compliance issues, amicable settlements, and financial investigations, engaging in tax disputes in Romania and banking disputes in Romania. Considering that a significant number of financing projects involve large-scale transactions, our lawyers successfully collaborate inter-departmentally to manage any type of transaction with a financial particularity, from financing contracts in Romania, debt recovery, bankruptcy and restructuring, forced execution, to portfolio transfers or transactions with non-performing loans.
What distinguishes our practice from others is the close working relationship we have established with our clients, in the sense of knowing our clientele by understanding how they document and manage their business, and as a result, we offer appropriate legal consultancy regarding any possible investment made, or any subject in the field of tax law in Romania and banking law in Romania.